i do respect your years in the u.s. senate, but i think americans are craving something new and different and the new energy and the commitment that will come with reform could i think that is why we need to send the maverick from the senate and put him in the white house and that is why i am happy to join him there. >> i will come back throughout the evening. this next question, the subprime lending meltdown, who do you think's is at fault? i start with you, governor palin could was it the risky home buyers who should not have been buying a home in the first place? was it thursday lenders? >> darn right it was the predator lenders who tried to talk americans into thinking that it was smart to buy a $300,000 house when you could only afford $100,000 house. there was deception and greed and there is corruption on wall street. and we need to stop that. again, john mccain and i, the commitment we have made and we will follow through on that, getting rid of that corruption and. let's commit ourselves, just everyday american